Funds are the premise for the survival and development of an enterprise, and the lack of funds can directly lead to the failure of an enterprise. However, the management of funds by private enterprises in my country lacks scientificity and rationality. On the one hand, since most private enterprises are family-run, they are both operators and managers, and most of the christmas island businesses directory employees are "family members", which makes the financial system too simple and formalistic, and the investment of enterprises is blind. On the other hand, due to the irregular management, poor efficiency and weak credit concept of some private enterprises, lending institutions feel that the loan risk is too great, thus reducing the enthusiasm for loan support to these enterprises. Most private enterprises have irregular and opaque financial management and financial information disclosure, resulting in low credibility and recognition of enterprises in the society.